Overview

Our investment process begins with us gaining an understanding of yourneeds, attitudes, and aspirations. We emphasize the need for a process to ensure that we don't miss anything that might be of importance.

The information this evaluation yields becomes the mortar in building your financial program—the better the information you provide, the stronger the bonds holding together our approach.

It is only at the end that we consider what combination of mutual funds, individual stocks, bonds, variable annuities, or life insurance we utilize in your program. Frankly, these are simply a means to an end, so we are far more intent on getting a clear picture of what that destination looks like.

Once your program is implemented, we offer you continued guidance through updates on the performance of your investments and invitations to reevaluate your program at regular intervals. We also encourage you to update us on changes to your life that will impact our decisions.

This communication strictly intended for individuals residing in the states of AK, AZ, CA, CO, DE, FL, GA, MA, MT, NC, NJ, NY, OH, PA, SC, TX, UT, VA, WA, WI, WV. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA, SIPC, a Registered Investment Advisor. Fixed insurance products and services offered through CES Insurance Agency.